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Saving Up and Paying Back is a free printable Grade 3 to Grade 5 social studies worksheet on figuring out savings plans and the cost of credit, aligned to C3 Framework indicator D2.Eco.10.3-5. It prints 8 questions with an answer key on its own sheet of paper, in 25 versions that each ask different questions, so no two students in the class work from the same page. Print it from the browser or download it as a PDF — no account, no email.

Set 7 of 25 · the same problems every time you open this link.

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Set 1 has all 25 in a single PDF. All 25 sets ask different questions.

Saving Up and Paying Back

D2.Eco.10.3-5

NameDate

Circle the answer that shows the work.

1.Kim needs $24 for a trip. She saves $4 a week. How many weeks will it take?
  • A.28 weeks
  • B.20 weeks
  • C.$24 ÷ $4 = 6 weeks
2.When do people use credit?
  • A.When what they want or need costs more than they can pay right now
  • B.Only when they have too much money
  • C.Never, because credit is free money
3.Maria saves $3 a week for 10 weeks for a gift. How much does she save?
  • A.$33
  • B.$13
  • C.10 × $3 = $30
4.Why does saving up first often cost less than buying on credit?
  • A.Stores charge savers more
  • B.When you save first, you pay no interest
  • C.Saving adds a tax
5.Who must pay back money borrowed on credit?
  • A.The borrower
  • B.The lender
  • C.The store clerk
6.Dev buys a $50 bike on credit and pays $5 interest. How much does the bike really cost him?
  • A.$50 + $5 = $55
  • B.$50
  • C.$45
7.What is interest on a loan?
  • A.Money the lender gives away
  • B.Extra money the borrower pays the lender for using the money
  • C.A discount on the price
8.What is one benefit of a savings plan?
  • A.Money grows steadily toward a goal, like college
  • B.You never have to wait
  • C.Prices stop changing

LessonPrint · D2.Eco.10.3-5 · Set 7 · free to copy for classroom use

Answer key — Saving Up and Paying Back

Set 7. Prints on its own sheet.

  1. 1.$24 ÷ $4 = 6 weeks
  2. 2.When what they want or need costs more than they can pay right now
  3. 3.10 × $3 = $30
  4. 4.When you save first, you pay no interest
  5. 5.The borrower
  6. 6.$50 + $5 = $55
  7. 7.Extra money the borrower pays the lender for using the money
  8. 8.Money grows steadily toward a goal, like college

Last reviewed 2026-09-05. Aligned to D2.Eco.10.3-5 of the C3 Framework for Social Studies State Standards.